Ohio Life Insurance Claim Denied Attorney
Ohio is a major life insurance market with billions in annual death benefit payments distributed to Ohio beneficiaries. Ohio life insurance law contains important protections for beneficiaries — including an automatic divorce revocation statute and requirements that claims accrue interest from the date of death when payment is delayed.
At Kadetskaya Law Firm, LLC, we represent life insurance beneficiaries whose claims have been denied or delayed. No fees unless we recover your benefits.
Call (888) 510-2212 for a free consultation
Ohio Lapse Law
Ohio Revised Code section 3915.05 requires insurers to provide a grace period of at least one month for every premium payment after the first. If the insured dies during the grace period, the claim must be paid. Ohio also requires that claims accrue interest from the date of death under Ohio Revised Code section 3915.052 — meaning an insurer that delays payment without justification owes interest in addition to the death benefit. Ohio Divorce and Life Insurance — Automatic Revocation
Ohio is among the states with an automatic revocation upon divorce statute. Under Ohio law, divorce revokes a beneficiary designation in favor of a former spouse. The ex-spouse is treated as having predeceased the insured unless the policyholder reaffirmed the designation after the divorce or a court order preserves it. As in all states, ERISA-governed employer policies are not subject to Ohio's revocation statute.
Ohio Accidental Death Exclusions
Ohio courts interpret insurance policy exclusions strictly and in favor of the insured. An insurer claiming that an accidental death exclusion — such as a sickness, intoxication, or narcotic exclusion — applies must prove clearly that the exclusion is triggered by the specific facts of the death. Ambiguous exclusion language is resolved in favor of coverage under Ohio law.